FIRST HOME BUYER (FHB)

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	The Good Guys Home Appliance Package
	Residex Property Report
	Printable FHB 10 Steps Guide

Advantage Plus First Home Buyer Loan
Now that you have found your ideal home, it's time to find your ideal loan. Our Advantage Plus First Home Buyer Loan has been specifically designed to cater for the needs of the first home buyer.
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First Home Buyer Guide
The journey to buying your first home can be either pleasurable or somewhat frightening. To help make sure that yours is a pleasurable one, we have designed a guide to help you every step of the way. Let's begin the journey. Find out more>>

First Home Owner Grant
When buying your first home you may also be entitled to a Government grant in your State or Territory. To find out more about what First Home Owner Grant is available to you, simply Click Here>>

Stamp Duty Exemption
Depending on your circumstances and location, a First Home Buyer may also be entitled to a Stamp Duty Exemption or part thereof. To see if you are entitled to an exemption, just Click Here>>

Checklists and Calculators
When buying your first home, there is a great deal to remember and it's quite conceivable that along the way, important items may be overlooked. There is also the added worry of trying to determine what you can or can't afford. Worry no more! We have taken the necessary steps to guide you through on both fronts. Find out more>>

Need advice? Ask Vicky
As a First Home Buyer, wouldn't it be nice if you were able to obtain some knowledgeable advice at the touch of a keyboard? Our Managing Director, Vicky Edema, is a past State and National President of the Mortgage Finance Associate of Australia (MFAA) and has a wealth of experience in mortgage lending. To Ask Vicky Click Here>>

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Austral provides easy access to Manage your Loan Account Online. Click below to log-in or register for log-in if you haven't already done so. Join Referrer Programme & save $$$ off your mortgage.

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Full Member of MFAA
Austral is a member of the Mortgage & Finance Association of Australia (formerly MIAA), the professional body for the mortgage industry.

PH: 02 9299 1833 / FAX: 02 9299 1874

TODAY: Thursday, 24th July, 2008

WEALTH MAXIMISER - INVESTOR ASSIST UPDATE - JUNE 2008
The ATO has recently published an edited version of a Private Ruling on its website: http://www.ato.gov.au/rba/content.asp?doc=/rba/content/81797.htm A taxpayer and client of Austral Mortgage, applied for the private ruling to seek confirmation from the ATO that if there was a shortfall between his investment income and his investment outgoings then that shortfall could be capitalised under the home and investment loan & line of credit structure noted in his application.

WEALTH MAXIMISER UPDATE - MAY 2008
Ever since the High Court decision in Hart's case, taxpayers have been seeking clarity from the ATO on the deductibility of capitalised interest in certain loan structures. On 16th April 2008 a favourable Private Ruling issued to an Austral client that provides insight into the ATO's current thinking on the subject.

My Choice
Austral has recently expanded its product offering through its My Choice loan initiative. My Choice provides borrowers with access to a wide range of lenders and loan products for residential, commercial and equipment finance, so no matter what your need our friendly and experienced staff can assist you.

Austral in the Community
Austral Mortgage has been a Principal Sponsor of the Winston Hills Little Athletics Club since October 2006. We are proud to be supporting this community project and congratulate the young athletes of WHLA for their commitment to and successes in the sport.

WEALTH MAXIMISER UPDATE - FEBRUARY 2008
Wealth Maximiser Update 12th February 2008 - We have advice from the ATO that it is well advanced on a binding Tax Determination regarding the deductibility of capitalised interest on a line of credit facility. Borrowers with both a home loan and an investment loan should consider including a capitalising line of credit within their loan structure or at least ascertaining from their lender that they could access such a facility by way of a simple variation of their existing mortgage.

Trans Tasman Finance
Did you know that Austral has a wholly owned subsidiary, Gem Home Loans Limited, in Auckland NZ - we are able to assist with organising mortgage finance for you should you be considering buying property in NZ.

AusComm Finance
AusComm is the specialist Construction and Development division of Austral Mortgage - if you are a developer seeking finance for construction purposes - residential, commercial, retail, industrial - give Peter McAuley a call on 0419 220 630 or email him peter.mcauley@australmortgage.com to discuss your funding requirements.

Mortgage Calculator
A number of excellent resource tools are now available on the internet for people in Australia seeking a loan to finance the purchase of a property or refinance an existing mortgage. One of the most useful and user friendly tools is a mortgage calculator. Before going too far in the purchase and /or borrowing process it is a worthwhile exercise to quickly gauge your borrowing capacity and also determine how your new mortgage repayments will impact on your personal cash flow. Mortgage calculator...

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